Barclays PLC ADR
Is it a good company at a reasonable price? This bank may have been in the business a very long time, but it seems to be quite volatile. The stock chart since 1988 shows a big run up to 2002 and then a steep decline. It has not done much since then. However, the stock has been climbing since 2024. Personally, I would not be interested in this stock again. My testing is showing that the stock price is relatively expensive.
I do not own this stock of Barclays PLC ADR (LSE-BARC, NYSE-BCS), but I used to. I bought this stock when Barrett took over in 2000. Barrett used to run Bank of Montreal in Canada. At that time, it was a good dividend paying stock and I thought it would give me some geographical diversifications. I sold it in 2017 as I had lost faith in this bank making me any money. At that time, I had a total return of 1.25% with a capital loss of 4.92% and dividends of 6.17%. I had had the stock for almost 18 years.
When I was updating my spreadsheet, I noticed that this stock BCS, is up 28.56% to the end of 2025 with 26.07% from capital gains and 2.48% from dividends. The stock went up 91.5% in 2025. So far this year it is down by 7.35%. Over the past 12 months, the CEO increased his shares by 4% and one director I follow by 16%. The chairman increased his shares by 0.88%, but then he owns over a 1.9M BARC shares. (Note that there is 4 BARC shares for every BCS share.) Note that ADR shares consist of 4 Barclay PLC shares.)
If you had invested in this company in December 2015, for $1,010.88 you would have bought 78 shares at $12.96 per share. In December 2025, after 10 years you would have received $207.24 in dividends. The stock would be worth $1,985.10. Your total return would have been $2,192.34. This would be a total return of 8.44% per year with 6.98% from capital gain and 1.46% from dividends.
| Cost | Tot. Cost | Shares | Years | Dividends | Stock Val | Tot Ret |
|---|---|---|---|---|---|---|
| $12.96 | $1,010.88 | 78 | 10 | $207.24 | $1,985.10 | $2,192.34 |
The current dividend yield is low with dividend growth resuming. The current dividend yield is low (below 2%) at 1.96%. The 5, 10 and historical dividend yields are moderate (2% to 4% ranges) at 3.54%, 2.47% and 3.39%. The dividends have grown over the past 4 years at 30%. I used 4 years because dividends were £0 in 2020. Dividends are now 23% higher than what they were in 2019. The last dividend increase was in 2026 and it was for 3.8%. This bank gives out two dividends a year. We will not know what the year end dividend is until nearer to the time it will be paid.
The Dividend Payout Ratios (DPR) are currently good. The DPR for 2025 for Earnings per Share (EPS) is good at 20% with 5 year coverage at 20%. The DPR for 2025 for Cash Flow per Share (CFPS) is good at 3.4% with 5 year coverage at 4.4%. The DPR for 2025 for Free Cash Flow (FCF) is good at 16% with 5 year coverage at 75%. The 5 year coverage is high because of a negative FCF in 2022.
| Item | Cur | 5 Years |
|---|---|---|
| EPS | 20.09% | 19.78% |
| CFPS | 3.39% | 4.42% |
| FCF | 15.85% | 75.47% |
Debt Ratios are fine. The Long Term Debt/Market Cap Ratio for 2025 is good at 8.87 and currently at 9.74. However, we need also to look at the Long Term Debt/Covering Assets Ratio for 2025 which is good at 0.74 and currently at 0.74 because this is a more important ratio for a Financial. The Debt Ratio for 2025 is good at 1.05 and 1.05 currently. The Bank Leverage for 2025 is good at 5.1% and currently at 5.1%.
| Type | Year End | Ratio Curr |
|---|---|---|
| Lg Term R+A | 0.74 | 0.74 |
| Lg Term R | 8.87 | 9.74 |
| Intang/GW | 0.14 | 0.14 |
| Debt Ratio | 1.05 | 1.05 |
| Leverage Bank | 5.1% | 5.1% |
The Total Return per year is shown below for years of 5 to 32 to the end of 2025 in UK£. Under the Capital Gain column is the portion of the Total Return attributable to capital gains. Under the Dividend column is the portion of the Total Return attributable to dividends. See chart below.
| From | Years | Div. Gth | Tot Ret | Cap Gain | Div. |
|---|---|---|---|---|---|
| 2020 | 5 | 29.74% | 29.29% | 26.54% | 2.74% |
| 2015 | 10 | 2.72% | 9.61% | 7.99% | 1.62% |
| 2010 | 15 | 4.33% | 5.72% | 4.07% | 1.65% |
| 2005 | 20 | -5.24% | 0.46% | -1.25% | 1.71% |
| 2000 | 25 | -2.11% | 2.13% | -0.37% | 2.49% |
| 1995 | 30 | 0.90% | 9.28% | 3.48% | 5.80% |
| 1993 | 32 | 2.55% | 9.61% | 3.74% | 5.87% |
The Total Return per year is shown below for years of 5 to 32 to the end of 2025 in US$ Under the Capital Gain column is the portion of the Total Return attributable to capital gains. Under the Dividend column is the portion of the Total Return attributable to dividends. See chart below.
| From | Years | Div. Gth | Tot Ret | Cap Gain | Div. |
|---|---|---|---|---|---|
| 2020 | 5 | 29.58% | 28.56% | 26.07% | 2.48% |
| 2015 | 10 | 1.76% | 8.44% | 6.98% | 1.46% |
| 2010 | 15 | 3.30% | 4.50% | 2.92% | 1.58% |
| 2005 | 20 | -6.75% | -0.80% | -2.48% | 1.68% |
| 2000 | 25 | -2.66% | 1.80% | -0.94% | 2.73% |
| 1995 | 30 | 0.44% | 8.77% | 2.74% | 6.03% |
| 1993 | 32 | 2.22% | 10.07% | 3.41% | 6.67% |
The 5-year low, median, and high median Price/Earnings per Share Ratios are 4.21, 5.94 7.80. The corresponding 10 year ratios are 5.07, 7.38 and 9.87. The corresponding historical ratios are 7.72, 9.61 and 11.91. The current ratio is 8.42 based on a stock price of $23.58 and EPS estimate for 2026 of $2.80. This ratio is between the median and high ratio of the 10 year median ratio. This stock price testing suggests that the stock price is relatively reasonable but above the median. This testing is in US$.
I get a Graham Price of £7.36. The 10-year low, median, and high median Price/Graham Price Ratios are 0.34, 0.53 and 0.66. The current ratio is 0.59 based on a stock price of £4.37. The current ratio is between the median and high ratios of the 10 year median ratios. This stock price testing suggests that the stock price is relatively reasonable but above the median. This testing is in UK£.
I get a 10-year median Price/Book Value per Share Ratio of 0.53. The current P/B Ratio is 0.95 based on a Book Value of $86,441M, Book Value per Share of $24.93 and a stock price of $23.58. The current ratio is 80% above the 10 year median ratio. This stock price testing suggests that the stock price is relatively expensive. This testing is in US$.
I also have a Book Value per Share estimate for 2026 of $26.75. This implies a ratio of 0.88 based on a stock price of $23.58, Book Value per share of $26.75 and Book Value of $92,745M. This ratio is 68% above the 10 year median ratio. This stock price testing suggests that the stock price is relatively expensive. This testing is in US$.
I get a 10-year median Price/Cash Flow per Share Ratio of 1.82. The current ratio is 3.23 based on Cash Flow per Share for 2025 of $7.27, Cash Flow of $25,273M and a stock price of $23.58. The current ratio is 78% above the 10 year median ratio. This stock price testing suggests that the stock price is relatively expensive. This testing is in US$.
I get an historical median dividend yield of 3.39%. The current dividend yield is 1.96% based on dividends of £0.0860 and a stock price of £4.37. The current dividend yield is 42% below the historical median dividend yield. This stock price testing suggests that the stock price is relatively expensive. This testing is in UK£.
I get a 10 year median dividend yield of 2.47%. The current dividend yield is 1.96% based on dividends of £0.0860 and a stock price of £4.37. The current dividend yield is 21% below the 10 year median dividend yield. This stock price testing suggests that the stock price is relatively expensive. This testing is in UK£.
The 10-year median Price/Sales (Revenue) Ratio is 1.29. The current ratio is 1.96 based on a stock price of $23.58, Revenue estimate for 2026 of $41,796M, and Revenue per Share of $12.06. The current ratio is 52% above the 10 year median ratio. This stock price testing suggests that the stock price is relatively expensive. This testing is in US$.
Results of stock price testing is that the stock price is probably expensive. I think it is a Hold. The dividend yield tests are saying this and it is confirmed by the P/S Ratio test. Most of the rest of the testing is saying the same thing.
When I look at analysts’ recommendations, I find Strong Buy (8), Buy (4) and Hold (4). The consensus would be a Strong Buy. The 12 months stock price consensus is $29.09 US$ (£5.392) with a high of $33.99 US$ (£6.300) and low of $23.47 US$ (£4.350). The consensus stock price of $29.09 implies a total return of 25.31% with 23.37% from capital gains and 1.94% from dividends.
There are only 2 comments on Stock Chase for 2025. They think that the bank is OK, but it is not like Canadian Banks. There is no Motley Fool articles on this stock as far as I can see. The company put out a press release via Reuters about their annual results for 2025. The company put out a press release via The Globe and Mail about their first quarter of 2026 results.
Noor Ul Ain Rehman of Insider Monkey via Yahoo Finance reviews this company. He says it is one of the best strong buy growth stocks to buy right now. Simply Wall Street via Yahoo Finance reviews this bank and says it is undervalued. They have no warnings out on this bank.
Barclays PLC is a major global banking and financial services company. With 325 years of expertise in banking, and operating through an international network in many countries and regions in Europe, the U.S., Africa & Asia, the company provides a wide range of financial services to individuals, corporations, and institutions. Its web site is here Barclays PLC ADR.
The last stock I wrote about was about was Canadian Natural Resources (TSX-CNQ, NYSE-CNQ) … learn more. The next stock I will write about will be AtkinsRealis Group Inc (TSX-ATRL, OTC-SNCAF) … learn more on Monday, May 11, 2026 around 5 pm.
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